12
Nov

Will Homeowners Insurance Pay for Removal of Fallen Trees?

Many New Jersey Residents are still cleaning up the destruction hurricane Sandy left. If you’re one of the many East
Coast homeowners stuck cleaning up storm damage, you might be
wondering if your New Jersey homeowners insurance will pay for tree removal.

Well simply put:

  • If your tree fell on your house, then your insurance will cover the damage and pay for of the tree removal.
  • If your tree fell on your neighbor’s house, then their insurance will cover the damage and pay for the tree removal.
  • If your neighbor’s tree fell on your house, then your insurance will cover the damage and pay for the tree removal.
  • If your (or your neighbor’s) tree fell in your yard without hitting a structure, then you’re on your own.

So bascially, if your property gets damaged, your
insurance pays regardless of who the tree belonged to. But if the tree
doesn’t do any damage, insurance doesn’t get involved. There is one primary exception to this rule, and that is if a fallen tree blocks
access to your property (e.g., if it falls across your driveway) then
removal might be covered.

Keep in mind that tree removal, when covered, is often subject to a dollar
limit in the neighborhood of $500, so you might still be out some cash
(not to mention your deductible) even if the loss is otherwise covered.